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Massachusetts Health Insurance Continuation (COBRA): What you need to know

Both Massachusetts law and the federal Consolidated Omnibus Budget Reconciliation Act (COBRA) permit employees to continue their group health coverage if they leave the group for certain specified reasons. According to federal law, when comparing state and federal continuation rights, employees may use the law that is more favorable to their situation. Massachusetts has two group healthcare continuation provisions.
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The Massachusetts small group continuation of coverage law, Mini-COBRA, requires small group carriers to provide for the continuation of health benefits to employees of small businesses with two to 19 employees (Mass. Gen. Laws. Ch. 176J Sec. 9). The Mini-COBRA law requires small group health carriers to provide continuation of coverage benefits, which are similar to those required by the federal COBRA, and allows employees and their family members to continue coverage in their small group “health benefit plan” and pay group rates for certain time periods under circumstances where they previously would have lost coverage.
Mini-COBRA does not apply to accident only, credit, dental, or disability income insurance; coverage issued as a supplement to liability insurance; insurance arising out of a workers' compensation or similar law; automobile medical payment insurance; no-fault insurance, which is statutorily required to be contained in a liability insurance policy or equivalent self-insurance, long-term care-only insurance, or any group blanket or general policy that provides supplemental coverage to Medicare or other governmental programs (Mass. Gen. Laws. Ch. 176J Sec. 1).
Mini-COBRA benefits must be provided to so-called qualified ...

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We’ve compiled a list of the 100 most commonly asked questions we have received on the federal Fair Labor Standards Act (FLSA) overtime regulations.
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This report, "Top 100 FLSA Q&As", is designed to provide you with an examination of the federal FLSA overtime regulations in Q&A format, including valuable tips for bringing your workplace into compliance in an affordable manner.

At the end of the report, you will find a list of state resources on wage and hour issues. This report includes practical advice on topics such as:
  • FLSA Coverage: How FLSA regulations apply to all employers and any specific exemptions from the overtime requirements
  • Salary Level: Qualifying for exemptions and nonexempt employees
  • Deductions from Pay: Deducting for violations, disciplinary reasons, sick leave, or personal leave


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